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About the Role

This 18-month training program is designed for new or recent college graduates interested in the banking industry. Participants will learn to support Commercial Lenders, assist with daily underwriting duties, manage existing portfolios, and handle credit line increases/renewals. Upon completion, graduates will transition into a full Portfolio Manager role.

Responsibilities

Collect and review all required financial data prior to submission to Credit, pre-closing and post-closing.
Spread all business returns, financial statements, personal financial statements, and rent rolls.
Run all D&B and Experian credit reports and UCC Searches.
Complete all HMDA forms.
Prepare the lender portion of loan presentations.
File all documents and create new files.
Review and approve all financial information request letters prior to mailing to customers.
Manage the financial information collection process.
Review and manage pending loan maturities 90 days prior to maturity date.
Correspond with loan officers and customers to gather information for expiring loans.
Identify and address credit weaknesses and deficiencies, including non-compliance with financial covenants.
Manage annual reviews and report significant changes in borrower financial status, guarantors, or appraised values.
Monitor and update classified loans on a quarterly basis.
Prepare quarterly Problem Loan Reports and Quarterly Portfolio Review Committee reports.
Attend weekly credit/portfolio meetings.
Review assigned portfolio with Executive Management and Relationship Managers quarterly.
Interface with loan review, regulators, and/or auditors as required, including follow-up on cited loans.
Assist in managing Credit file documents to ensure all appropriate information is updated and maintained.
Handle special projects as assigned.
Work closely with all members of the loan floor on all facets of the loan process.
Manage the closing checklist with Administration.
Prepare adverse action letters for customers.
Participate in customer calls with assigned loan officers.
Manage the site inspection process.
Review loan documents prepared in-house or by bank counsel to verify compliance with original credit approval.
Responsibilities may vary based on the phase of the program.

Requirements

Bachelor’s Degree required in Accounting, Finance, Business, or Economics.
Interest in the banking industry.
Interest in Sales.
Must be a self-starter with initiative.
Exceptional customer service ability.
Excellent verbal and written communication skills.
Excellent problem-solving and analytical ability.
Ability to represent the bank in a professional and friendly manner.
Strong interpersonal skills.
Proficiency in Microsoft Office software.
Ability to quickly master the Bank’s operating system.
Strong communication and leadership skills.
Ability to maintain a positive demeanor.
Ability to handle difficult situations.
Open-mindedness.
Ability to handle change and pressure.
Ability to coach, cross-train, and motivate employees.
Ability to assist customers and employees in a professional manner.
High level of confidentiality required.
Ability to multitask.
Ability to make quick and accurate decisions.
Organizational skills.
Ability to make decisions in the best interest of the bank while mitigating risk.
Ability to handle various processes simultaneously.
High volume of computer usage required.
Familiarity with copier, scanner, and shredder equipment.
Flexibility to work additional hours including nights, weekends, and holidays as required.
Ability to sit for prolonged periods of time.
Ability to talk and hear.
Normal range of vision and hearing abilities required.
Mobility required for greeting and assisting employees and visitors.
Ability to skillfully operate a computer, telephone, and other standard office equipment.
Ability to occasionally travel outside of work location to attend meetings and training programs.
Ability to occasionally lift and/or move up to 20 pounds.

Skills

Microsoft Office software
Underwriting support
Portfolio management
Credit analysis
Financial data analysis
Customer service
Communication (verbal and written)
Problem-solving
Analytical ability
Interpersonal skills
Leadership
Multitasking
Decision-making
Organization

Location

Onsite

Work Type

Full-time
Training Program

Experience Level

Entry-level
Recent Graduate

Education Level

Bachelor's Degree in Accounting, Finance, Business, or Economics
MBA or equivalent (Preferred)

About the Company

Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity.

Equal Opportunity

Will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances.
Individuals with disabilities may be entitled to a reasonable accommodation upon request.
Reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank.
Inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job.